You won’t be able to find a list of credit cards that use Equifax only because credit card companies: 1) don’t disclose which credit bureaus they pull from; 2) could pull from multiple bureaus for a single application; and 3) don’t always pull from the same bureau for a particular credit card offer. There’s some anecdotal evidence suggesting that a handful of issuers often pull Equifax reports when reviewing credit card applications, including Chase, Citi and Discover. But it’s hard to tell for sure, and you should take these suggestions with a grain of salt.
Here are some of the best credit cards that may use Equifax only:
- Chase Sapphire Reserve: $450 annual fee (excellent credit)
50,000 bonus points for spending $4,000 in the first 3 months. 3 points per $1 spent on travel and dining, 1 on everything else. $300 annual travel credit. - Citi Double Cash: $0 annual fee (good credit)
2% cash back on all purchases, 1% after buying and 1% after paying. 18-month 0% balance transfer offer. Requires good credit. - Discover it: $0 annual fee (good credit)
5% cash back on the first $1,500 spent in quarterly bonus categories, 1% on everything else. First year’s cash back matched on account anniversary. Requires good credit. - HSBC Premier World Mastercard: $95 annual fee, waived the first year (excellent credit)
35,000 bonus points for spending $3,000 in the first 3 months. 2 points per $1 on travel, 1 on everything else. - Wells Fargo Cash Wise Visa: $0 annual fee (good credit)
$200 cash back for spending $1,000 in the first 3 months. 1.5% cash back on all purchases, and 1.8% on mobile wallet purchases. $600 worth of cell phone insurance when you pay your bill with your card.
As you can see, there are some attractive cards out there that may use your Equifax credit report during the approval process. But they won’t do it in all cases. You shouldn’t have to worry too much, though, because if one of your credit reports is good, the others probably are as well. If one is significantly lower than the others, you may want to check for errors.
This answer was first published on 05/28/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
Important Disclosures
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
